Celebrating its 10th anniversary, the Contactless Intel-
ligence Conference delivers the latest in contactless and
mobile activity, providing participants with unparalleled access
to the implementers themselves: transport operators, local
councils, charities, banks and retailers. The Conference will
WE WOULD LIKE TO THANK OUR SPONSORS, SUPPORTING ORGANIZATIONS AND MEDIA PARTNERS
THE 10TH ANNIVERSARY EDITION OF THE CONTACTLESS INTELLIGENCE CONFERENCE
once again mix presentations, panel discussions and work-
groups to provide participants with an informative and
interactive event. We will be reviewing different contactless,
NFC and mobile applications in place and discussing how the
technology can be implemented on a wider scale
As with any technology spiral, (including FinTech) the speed of
development never slows down. On the contrary − it speeds
up. This year we are looking at status quo altering technology
such as the blockchain and even have entries in the Contact-
less & Mobile awards that cover Bitcoin Mobile Wallets − how
time has moved on and how much more accelerated things
have become. To quote the great gonzo journalist, Hunter S.
Thompson − ‘Faster, faster, until the thrill of speed overcomes
the fear of death’ or, ‘now we have everyone hooked on mo-
bile payments − how much farther can we push it?’
Some of our speakers today are about to tell us.
Steve Atkins //
If you are reading this introduction then you are probably
at this year’s Contactless Intelligence Conference. With that
in mind, I would like to welcome you to the tenth edition of
this annual event. Yes, you read that right − the TENTH! Can’t
believe it? Me neither...
But it was ten years ago that we started this gathering of
like-minded people to explore the possibilities of contactless
and NFC technology and what it would mean for the world
− payment in particular. Since that time so long ago, we have
seen so many changes; from contactless ticketing as standard
on the underground and public transport, to contactless pay-
ments in the UK breaking the 1 billion contactless purchase
milestone in 2015, up 228 per cent on the previous year with
spending on contactless cards rising more than three-fold in
2015 to reach £7.75 billion. Ten years ago, we would have
danced for joy to hear that figures like that were possible
in so short a time frame. Well, a decade in the scheme of
things... You know what I mean.
Mobile payments looked like they were going to remain in
the domain of ‘vapourware’ forever until Apple Pay came
along. Whatever you think of Apple, there is no doubt that
they invigorated the market and gave it a much-needed kick
in the pants. Everyone then brought their wallet to the fore
and mobile payments became inexorably linked with the suffix
‘xxx Pay’. That was only about 18 months ago.
And so, I guess, everyone thinks they can relax now. Wrong!
We began ten years ago with payments and a decade later
we are returning to it as a theme for this conference, albeit
under the title of ‘Managing the Convergence of Intelligent
Payment Solutions’. Because that is what payment technol-
ogy has become – intelligent.
WELCOME
4
CONFERENCE AGENDATUESDAY 26TH APRIL 2016
09:15 – 09:20
Opening Remarks
Conference Moderator: Ram Banerjee (Transaxiom)
09:20 – 10:00
Industry Key Notes
The convergence of intelligent payment solutions is the next
step for mobile and contactless implementations throughout
Europe. Two leading players are sharing their visions with us
during the opening keynotes:
> Mobile Payments 2020 (Sandra Alzetta – Executive Director
Core Products, Visa Europe)
> From wearables to wallets: a successful strategy through
customer engagement (Tami Hargreaves – Director of
Digital Consumer Payments, Barclaycard)
10:00 – 11:10
SESSION 1: How are digital and contactless technologies
helping our local economies grow?
In this session we’re looking at the changing face of payments
outside of the normal retail environment. While the industry
and local governments are supporting the move towards a
mobile and contactless infrastructure, we’re asking: What is
the reality? Are local economies really growing as a result of
contactless implementations? We have invited spokespersons
from groups representing city centres, market traders, vend-
ing, charity collections as well as taxi drivers to get a realistic
picture of the customer experience.
> Can’t touch this – how contactless is changing the third
sector (Cancer Research UK: Paul Weaver – Digital Innovation
Manager)
> The Impact of Cashless Payment in Soft Drinks Vending
(Lucozade Ribena Suntory: Daphne Stopforth – Chilled So-
lutions Manager)
> Cork Cashes Out – Cork’s move to become Ireland’s first
cash-free city (Cork Cashes Out – a Cork City Centre Forum
initiative: Ciarán Curran – Associate Director)
Confirmed Panelists: Lars Pederson – CEO (Creditcall) |
Ellie Gill (Love Your Local Market – a National Association of
British Market Authorities initiative)
11:10 – 11:40
Networking Break
11:40 – 12:50
SESSION 2: Can contactless ticketing really move beyond
regional silos?
This session looks at the mobility sector: The introduction of
smart ticketing on public transport has fundamentally changed
how passengers around the world pay for and manage their
travel. Beyond that, it has become a reference on how cus-
tomers view public transport services. In this session, we want
to look at how different regions and even different countries,
can work together to improve the customer experience.
> Contactless Transit Collaboration (Richard Koch – Head of
Cards Policy, The UK Cards Association, UK)
> Transport for the North: Integrated and Smart Travel
(Alison Pilling – Programme Director for Integrated and
Smart Travel, TfN – Transport for the North, UK; Steve
Ramsay, TfGM – Transport for Greater Manchester, UK)
> The Belgian Public Transport Card heading for the future
of e-services (Erik Baele, La Société des Transports Inter-
communaux de Bruxelles, Belgium)
> Masabi
Confirmed Panelists: Steve Howes – Managing Director,
Rail Settlement Plan (ATOC – the Association of Train Operating
Companies, UK) | Bjoern Scharfen – Marketing Director,
Infineon Technologies (The OSPT Alliance)
12:50 – 13:50
LUNCH
5
13:50 – 15:05
SESSION 3: The Future of Payment
Payments could be facing a massive upheaval in terms of tech-
nology, and application solutions. From transactions within
specific commerce networks to a traceable global currency
complete with an efficient infrastructure will mean not only a
massive cost reduction for all market participants, it will even
change global banking. The next evolution in payments is
about to begin.
> Driving commerce by bridging the online to offline gap
(Eric Lein – Head of European Operations, TrialPay)
> The Blockchain: What is it and why should you care? (Edan
Yago – CEO, Epiphyte)
> Contactless Payments powered by the Blockchain (Danial
Daychopan – CEO, Plutus.it)
Filling the mobile wallet – augmenting real-time inter-
actions
When is a wallet more than a wallet? When it becomes an en-
abler of day to day interactivity. Payment is not the only aspect
found within a physical wallet and should not be considered
the only element found in the virtual wallet either. While ID
and credentials make up a significant portion of the users day
to day activities, the mobile wallet has yet to catch up. Until it
does so, it will always play second fiddle to a physical wallet.
> The progress of mobile wallets (Claire Maslen – Senior
Financial Services Manager, GSMA)
> Payment security: Tokens, HCE or just better firewalls?
(Jonathan Vaux – Executive Director, Innovation Partner-
ships, Visa Europe)
> Expanding NFC service usage through the Contactless
Companion Platform (Joerg Suchy – Associate Director
Strategic Business Development Chip Card, NFC and Bio-
Processor for EMEA, Samsung)
15:05 – 15:30
Networking Break
15:30 – 16:30
SESSION 4: WORKING GROUPS
GROUP 1: Charity – How can contactless technology be
harnessed by the charity sector to increase donations? What
support is still needed from the contactless industry? Can
the mobile phone (NFC, mobile wallets, apps etc.) add a new
dimension to interaction with donators?
Group Leader: Ian Shayler (The UK Cards Association)
GROUP 2: Beyond bricks & mortar – What benefits can contact-
less / NFC really provide to small businesses, street traders, taxi
drivers and vending operators? How can the different sectors
build on each others’ success stories? What still needs to be
done for contactless to become the payment method of choice?
Group Leader: Richard Warren (Miura Systems)
GROUP 3: Services within the mobility sector – Will the UK
transport sector really be able to agree on a countrywide
scheme? Can we learn from other countries? Can the com-
muter / traveller ever hope to make a cashless journey from
door to door (parking, train, bus, bike hire etc.)?
Group Leader: Kevin Farquharson (Smart Card Networking
Forum)
GROUP 4: Alternative payment methods – We’ve been hearing
about “disruptive players” in the payment industry for many
years now, but who are those players? How can the consumer
benefit from new technologies / processes / ecosystems? What
might our ecosystem look like in the future?
Group Leader: John Devlin (P.A.ID)
GROUP 5: The future of wearables – With major brands
launching their own smart watches, wristbands and NFC ena-
bled clothing, is this a technology fad or a natural evolution
for contactless technology? What are the potential business
cases? Will the older generation be left behind? How can the
functionality move beyond payment and integrate multiple
applications and services for the user?
Group Leader: Phil Sealy (ABI Research)
16:30 – 17:00
WRAP UP
17:00
END
18:30 – 19:00
Drinks reception
19:00 – 22:30
Contactless & Mobile Awards Gala Dinner
6
OPEN STANDARDS FORUMWEDNESDAY 27TH APRIL 2016
09:15 – 11:00
SESSION 1: TRANSPORTATION, TICKETING & PARKING
Session moderator: Kevin Farquharson, Smart Card Net-
working Forum
Transport Authorities and Operators as well as MNOs share
challenges and success stories of system migration to open
standards. Focus on mobile ticketing platforms as well as con-
tactless card systems.
09:15 – 09:35
The future of transport ticketing – open standards in
Russian regional solutions
Speaker: Peter Sokolovski, Udobnji Mashrud (Russia)
09:35 – 09:55
Speaker: Laurent Cremer, OSPT Alliance (France)
9:55 – 10:15
Speaker: Erik Baele, La Société des Transports Intercommu-
naux de Bruxelles / Calypso Network Association (Belgium)
10:15 – 10:35
What is possible, permitted, useful and ready in Contact-
less for Unattended – such as Vending, Parking, Trans-
portation, Charities? The session includes technical chal-
lenges, role of standards, rules and restrictions, suitable
solutions.
Speaker: Liz Coode, Creditcall (UK)
10:35 – 11:00
Panel Discussion with speakers and additional panelist
Speaker: Steve Wakeland, ITSO (UK)
11:00 – 11:30
Networking Break
11:30 – 12:15
SESSION 2: STRONG AUTHENTICATION
— Linking Identity and Authentication
— FIDO use cases in healthcare and online service providers
— The role of the FIDO standard for the public sector
Speakers: Michelle Salway, Senior Director Sales EMEA,
Nok Nok Labs | Dr. Rolf Lindemann, Senior Director Product
and Technology, Nok Nok Labs | David Pollington, Head of
Applications & Services, GSMA
12:15 – 13:30
SESSION 3: VAS, PAYMENT CONVERGENCE & RETAIL
Latest use cases for mobile and contactless implementations
beyond smart mobility, such as payment, hospitality and retail.
This session takes a close look at implementations beyond the
mobile wallet and as the mobile offering extends to include
wearables and other form factors. The questions raised in this
session will look at both, open standards based solutions and
proprietary implementations to determine the advantages each
model has to offer to the market.
12:15 – 12:30
Understanding the wearables market
Speaker: Samee Zafar, Edgar Dunn & Co (UK)
12:30 – 12:50
Open standard for contactless: a new approach for con-
venient solutions
Speaker: Sebastien Piolat, Smartlink (Switzerland)
12:50 – 13:05
What impact do new form factors have on NFC deployment?
Speaker: Salim Dhanani, Carta Worldwide (Canada)
13:05 – 13:20
Payment beyond cards
Speaker: Nick Mackie, Visa Europe (UK)
13:20 – 13:30
Panel discussion with all speakers and additional panelist
Speaker: Jörg Suchy, Samsung Semiconductor (Germany)
13:30 – 13:40
Wrap up by moderators
13:40
Networking Lunch
Endorsed by OSPT Alliance
7
MOBILE ID FORUMWEDNESDAY 27TH APRIL 2016
09:00
Registration
Moderator: Frank Smith, Chair, e-MOBIDIG
09:15 – 09:35
Collaboration: Public-Private Partnerships
Speaker: Susan J Dawes, Program Manager, Open Identity
Exchange UK
09:35 – 10:05
Germany: Mobile devices as a trust anchor
Speaker: Daniel Augustin, Institut für Informatik / Fachbe-
reich Mathematik und Informatik, Freie Universität Berlin
10:05 – 10:25
The role of mobile for IT security in critical infrastruc-
tures in Europe
Speaker: Dr. Steve Purser, Head of Core Operations Depart-
ment, ENISA – European Network and Information Security
Agency
10:25 – 10:45
Opportunities for a mobile patient identification in
the French private ambulatory care sector
Speaker: Michel Venet, Directeur Identité Numérique, GIE
SESAM-Vitale
10:45 – 11:15
Panel Discussion with all the speakers
11:15 – 11:35
Coffee Break
11:35 – 11:45
Lighting Talk: Yoti – Mobile ID App revolution?
Speaker: Paco Garcia, CTO, Yoti
11:45 – 12:05
Mobile Connect, Authentication at Hand
Speaker: Serge Llorente, Orange / IMT / TECHNOCENTRE / MPA
CMIS
12:05 – 12:25
FIDO & Mobile Connect
Speaker: Claire Maslen, Senior Financial Services Manager,
GSMA
12:25- 12:45
Your identity on your Smartphone – the next step in
the mobile revolution
Speaker: Steven Warne, Director of Solutions Marketing,
Government ID Solutions, HID Global
12:45 – 13:30
Panel discussion with all the speakers
13:30
Lunch
Endorsed by Silicon Trust
In 2015, the Silicon Trust, an international ID security industry platform, will host the first of a series of ID Trends Forums. The objec-
tive of the day is to shed light on a topic the Silicon Trust believes to be key in the coming year. A mixture of international keynote
speakers and industry working groups are the basis of a Silicon Trust Media Statement that will be published after the event.
The first Silicon Trust Forum is focussing on the growing trend of Mobile ID and secure mobile devices. It is going to evaluate the
feasibility of implementations where secure ID attributes and credentials are either stored on the mobile or where the mobile
device acts as a secure reader for a token, such as a smart card.
With two application scenarios in focus, payment and government ID, the experts in this forum will debate to what extent the
public sector can benefit from private sector experiences. We have invited key speakers from both, the world of finance and from
the public sector, to share their insights into the up and coming challenges of Mobile ID.
8
by the 4 Belgian Operators of Public Transport, created with
the mission to develop a common smart card ticketing system
between the Belgian Public Transport Operators.
Before this time, Erik was IT manager at STIB (La Société des
Transports Intercommunaux de Bruxelles), in charge of projects,
development and operations within the business critical IT sys-
tems, including new MoBIB and the old magnetic ticketing,
regulation of traffic, passenger information, fleet management
and security of the Brussels metros, trams and buses. Erik is
also active in Calypso Network Association (CNA) as treasurer.
Ram BanerjeeRam has a passion for Smart Card
technology especially when applied to
Payments, Loyalty and ID. He has co-
founded several companies including ACT – the UK’s largest
supplier of Transit ticketing systems. Since 2010 he has devot-
ed much of his time to TransaXiom, a UK company dedicated
to bringing true electronic cash to mobiles using novel and
patented technologies.
Liz CoodeLiz has a wealth of payments experi-
ence, having worked for Creditcall for
fifteen years and is now Head of Pay-
ment Services. Joining the company from a telecoms back-
ground in 2001 (having spent the first ten years of her work-
ing life in catering, which she refers to as ‘great training for
handling ten impossible deadlines simultaneously while eve-
ryone’s yelling’) she has led the company’s PSP sales for over
a decade, during which time the company has grown from
under a dozen people to almost a hundred.
Liz’s role includes direct sales working with larger clients with
complex projects and a market lead approach helping to ensure
Creditcall’s PSP solutions are available and suited to as many
customers, integrators and manufacturers as possible.
Sandra AlzettaSandra is Executive Director of the
Product Enablement function at Visa
Europe and her current focus is on
leading Visa Europe’s tokenisation programme, enabling secure,
mass market innovation across multiple channels today and,
ultimately, providing the payments platform for the Internet
of Things. She also leads the team responsible for working
with European standards bodies to shape the trajectory of
payments.
Sandra has held multiple leadership roles since joining Visa in
1990, spanning innovation, product development and busi-
ness development. In 2012, Sandra was listed in the Mobile
Power 50 as one of the most influential people in the mobile
industry in the UK. Prior to joining Visa, Sandra worked at
Northern Telecom in their data networks group.
Daniel AugustinDaniel is a PhD student and member of
the work group Identity Management
at the Freie Universität in Berlin. The
work group ID Management researches design, implementa-
tion and evaluation of secure software, as well as IT systems.
The focus is always to provide usable security. Daniel researches,
in particular, secure derived identities on smartphones, smart
watches and other mobile devices. Prior to his employment
at the Freie Universität, Daniel spent the last 10 years as a
software developer and deputy director of a company, de-
veloping equipment for the defense sector. Here he gained
valuable experience with regard to the need for combining
security and usability.
Erik BaeleSince 2012, Erik has been General Man-
ager of BMC – Belgian Mobility Card,
a company jointly owned and governed
SPEAKERS’ BIOS
9
building the volume and velocity of trusted transactions online.
Responsible for managing and co-ordinating UK operations,
including the considerable number of discovery and alpha
projects through the directed funding programme by OIX
Executive member Cabinet Office, in support of the Identity
Assurance programme (GOV.UK Verify).
Sue brings extensive experience working with international
and UK based membership organisations coupled with a back-
ground of European marketing communications and event
management roles for technical companies.
Danial DaychopanDanial is a fintech entrepreneur within
the payments industry that has been
active in the groundbreaking block-
chain and bitcoin ecosystem since 2013. His vision is to create
a next generation payment system by utilising decentralised
applications and harness the true potential hidden between
contactless payments and blockchain technology.
Danial previously led a team to develop and launch a block-
chain-based merchant solution and exchange service. He led
the company during its infancy to provide services aligned
with the needs of the rapidly growing Bitcoin economy.
Danial is currently the Founder & CEO of Plutus.it, an applica-
tion powered by smart contracts to make contactless Bitcoin
payments possible at any NFC-enabled terminal worldwide.
John DevlinJohn is the founder and principal
analyst of P.A.ID Strategies. Here he
focuses on innovation and disrup-
tion across Payments, Authentication, Identity, Security and
Connectivity for devices, people and transactions.
Utilizing over fifteen years of commercial and analyst experi-
ence, he takes a broad view of how different technologies
fit together across multiple segments, understanding and
Laurent CremerLaurent Cremer has held the position
of Executive Director of OSPT Alliance
since its formation in 2011. He has suc-
cessfully driven awareness of the alliance, secured key part-
nerships within the public transport ecosystem and engaged
new members to join and contribute to the work of the body.
Within his role Laurent liaises directly with the OSPT Alliance
Board and members to coordinate and implement its strategic
vision. He works across its various working groups to advance
objectives and represents the alliance externally at industry
meetings and conferences globally.
Laurent joined the OSPT Alliance with more than 20 years’
experience working within the smartcard and RFID sector
across the telecom, transportation, banking and ID markets.
Ciarán CurranCiarán, a marketing communications
professional with 15 years’ experience,
is an associate director of H+A Market-
ing + PR. He worked as part of the ‘Cork Cashes Out’ team,
devising and implementing the creative campaign to support
the initiative positioning Cork as Ireland’s first cash-free city.
‘Cork Cashes Out’ was led by Cork City Centre Forum, a group
comprising key business stakeholders including Cork Chamber
of Commerce, Cork Business Association, Cork City Council and
An Garda Siochana with the support of H+A Marketing + PR.
Ciarán has worked in a number of Irish agencies and has pro-
vided strategic and tactical communications advice to clients
across a broad range of sectors.
Sue DawesSue Dawes is UK Programme Manager
for Open Identity Exchange, a non-
profit trade organisation of leading
competitors from competing business sectors focused on
10
explaining determining factors in market adoption and tech-
nology development. John has a deep understanding of
working with companies to identify their requirements and
determine how these can best be served to answer their
questions and resolve tactical issues. He provides a considered
approach to helping companies tackle the business issues
relating to their strategies for mobile and wireless technology
to realize new business opportunities and deepen engage-
ment with their customers.
Salim DhananiSalim, as Director of Business Develop-
ment (EMEA), is responsible for Carta
Worldwide’s commercial growth initia-
tives within the EMEA region covering, both, the digital ena-
blement and core processing verticals.
Before joining Carta in 2013, Salim started his career work-
ing on economic development projects led by the World Bank
Group in various parts of Latin America. Later, he worked as
an associate with a small-cap private equity fund focused on
emerging markets. Salim holds a degree in Economics and In-
ternational Development from the University of Toronto.
Kevin Farquharson Kevin is a highly experienced Pro-
gramme Manager and Consultant in
the uses and applications of smart
media. He is particularly knowledgeable about payment
applications, mobile technology, contactless cards, smart tick-
eting, resident cards and university card schemes.
Kevin is Managing Director of Smartran which he founded in
2003. He has gained his experience in Government, Transport,
Local Authority, Oil & Gas, Finance, Utility and Technology
sectors. He is also Chair of the Smart Card Networking Fo-
rum for Local Government and a regular contributor to ITSO,
Transport Card Forum and SCNF events. Prior to Smartran,
Kevin was a consulting manager for Accenture (formerly An-
dersen Consulting) and originally began his career as a System
Engineer for BT’s Major Accounts team.
Paco Garcia Paco, Yoti CTO, has a background in
the space industry; he worked at the
European Space Agency and Airbus in
the classified secure testing of the constellation of satellites for
the Galileo navigation system and the assembly, integration
and testing of the fifth satellite payload. He’s been involved
in the cryptography and security aspects of military telecom-
munications satellites.
He holds a degree in Electrical Engineering and a Masters
in Computer Science & Telecommunications from Malaga
University & Virginia Tech.
Ellie GillEllie is the campaign manager for Love
Your Local Market, an initiative coordi-
nated by The National Association of
British Market Authorities (NABMA), which has now spread
into fifteen countries including the US and Canada.
With an environmental science background, Ellie also runs her
own consultancy practice, helping local authorities, charities
and social enterprises get more from their town centres and
was recently recognised by Marcus Jones MP with a Special
Recognition Award in the Great British High Street Awards.
She has introduced contactless and rewards schemes into
a number of markets and worked with central government
to deliver a digital objective aimed at getting more markets
adopting contactless technologies, and market traders a more
Omnichannel approach to retail.
Tami HargreavesBefore joining Barclaycard in 2008
Tami spent 10 years working in the
customer management outsource
business responsible for Service and Account Management,
Bid Development and Transformational Change. Tami joined
Barclaycard as Strategic Supplier Relationship Director to man-
age key supplier relationships and change programmes across
the business. She has delivered major transformation change
11
programmes globally over the past 7 years and now runs the
Digital Consumer Payments business. She is responsible for
the bPay wearable payments business, contactless mobile and
contactless payments across the business.
She was responsible for launching the PayTag contactless sticker,
Strategic Partnership with TfL (Transport for London), the busi-
ness wide contactless limit increase and implementation of
other contactless initiatives across the business and industry.
Steve HowesSteve has worked in the field of the ap-
plication of information technology in
the transportation and defence sectors
for more than thirty years, the last twenty of which have been
spent exclusively working in the transport sector. Now at the
Association of Train Operating Companies (ATOC), Steve is
Managing Director of Rail Settlement Plan, responsible for the
design, build and operation of information systems providing
a range of services to the passenger rail operators which
enable its fully interoperable ticketing system. In particular,
he has been closely involved with the introduction of smart
ticketing technology to the railway, sitting on the ITSO Board,
and the ‘ITSO on Prestige’ Project Board, leading the negotia-
tions with TfL on Oyster PAYG, working closely with operators
on the expansion of barcode and EMV based ticketing.
Richard KochRichard joined The UK Cards Associa-
tion in 2011 and took up the role of
head of policy in 2013. He leads the
team responsible for influencing regulation and legislation
through effective, evidence-based policy development, and has
been instrumental in developing our reputation as a proactive
trade association. Richard has over 25 years of experience in
banking, including having worked in a variety of roles in the
card payment business of the Lloyds Banking Group for over a
decade. In various roles he has had responsibility for commer-
cial relationships with payment schemes, interaction with in-
dustry bodies and implementation of industry-wide initiatives.
Eric LeinEric is the Head of European Operations
at TrialPay, where he has managed the
office in Berlin, Germany, since the begin-
ning of 2014. His mission is to connect brand and e-commerce
advertisers with publishers across mobile and web-based social
gaming platforms and alternative payment systems for online
services. Eric was previously a Sales Director for TrialPay, build-
ing up client relationships in South-Western European markets
and the mobile sector. Before TrialPay, Eric worked as Global
Account Manager at zanox, Europe’s leading performance ad-
vertising network, where he was responsible for cross-country
publisher activities. Eric enjoys multi-cultural business environ-
ments, plays piano and speaks five languages fluently.
Dr. Rolf LindemannRolf is senior director of Product and
Technology at Nok Nok Labs and brings
more than 15 years of experience in
product management, R&D and operations from the IT security
industry. He has contributed to numerous FIDO specifications
and has been a frequent speaker at industry events.
Prior to Nok Nok Labs Rolf worked as Senior Director Product
Management in the user authentication group at Symantec
where he was responsible for research and product strategy
on device authentication in smart grids and mobile networks.
Before Symantec’s acquisition of TC TrustCenter, he was
Executive Director Product Strategy at TC TrustCenter GmbH.
Appointed to that position in 2009 he was responsible for
analyzing market trends and aligning the overall product port-
folio to new market opportunities.
Serge LlorenteSerge is Director of Mobile Connect
for Orange. With over 25 years of ex-
perience first in the CADCAM industry
(Dassault System) and later Telecoms (Orange), Serge has been
leading many IT projects covering Storage Architecture master
plans, home network management and mobile connectivity
12
solutions or SIM management tools. Mobile Connect is totally
aligned with Orange’s ambition of improving the customer’s
digital experience and Serge has been managing all phases of
this project to make it live in a growing number of countries
across the Orange footprint. Another very important and re-
warding part of this endeavor has been the fruitful co-opera-
tion between the other MNOs and the GSMA, to make Mobile
Connect a global and cross-MNO solution for authentication.
Nick MackieNick Mackie is Head of Contactless and
Mobile Point-of-Sale at Visa Europe.
With many years of experience in the
creation and commercialization of value-added technology
service solutions, Nick currently runs Visa’s contactless prod-
uct team. Nick and his team are responsible for liberating the
full potential of the contactless proposition focusing on strate-
gic sector development and delivery of new product offerings.
Prior to his current role Nick worked as Senior Product Man-
ager of Contactless, focusing on new applications for contact-
less payments in the transit and travel sectors. Nick was Visa’s
product and project lead in delivery of Transport for London’s
groundbreaking contactless rollout. Before joining Visa, Nick
was Head of Business Development at Vianet Group.
Claire MaslenWith over 20 years’ experience at the
forefront of the telecoms industry,
Claire has developed a thought leader-
ship position on m-commerce and identity, and is a subject
matter expert on NFC. Working with mobile operators, regu-
lators & policy makers, banks, payment networks and Fintech
companies at the GSMA, Claire is passionate about fostering
collaboration to deliver innovative mobile consumer experiences.
At the GSMA, Claire is responsible for market development,
and as such is a regular speaker and contributor at major indus-
try conferences and events. Claire has been recognised in the
industry with various awards. Previously, Claire was responsi-
ble for defining the product and technology strategy for NFC
within O2, and led Telefonica’s entry into the market of Near
Field Communications.
Lars PedersonLars joined Creditcall as CEO in 2014 and
is responsible for the company’s global
initiatives, continued growth in the U.S.
and reinforcing its mission to serve as the Heart of Payments. He
has led and grown technology companies around the world, from
California to Copenhagen, and has more than 20 years of experi-
ence across the fintech, wireless, telecommunications, manage-
ment consulting, and offshore sonar equipment industries. Prior
to joining Credticall, Lars has held senior leadership roles serving
as CEO of InnovFocus; CEO of RESON Inc.; President of the
Anritsu Instruments Group based in New York; and Deputy CEO at
NetTest A/S. Currently he is also Chairman of the board of Xena
Networks A/S, and Director of Creditcall Ltd and CardLab A/S.
Alison PillingAlison is currently on secondment from
West Yorkshire Combined Authority
(WYCA) to be Programme Director for
the Integrated and Smart Travel workstream for Transport for
the North (TfN). Alison began her career as a teacher before
moving into transport working first for AGMA before moving
to Metro (as it was then) to manage a European project
delivering a range of travel choices activities. In 2004 she took
on delivery of a 150 vehicle yellow school bus project before
becoming Information and Marketing Manager for WYCA. This
role has incorporated the business change activities around
West Yorkshire’s Smart Card and Information Programme.
Sébastien PiolatSébastien joined the FinTech company
Smartlink SA in 2013 and has moved
across the company contributing in
technical and business roles. He leads in his current role in-
novation projects related to contactless, payment, and weara-
bles. As part of his business development role, he represents
Smartlink during exhibitions and among Smartlink’s partner
organizations. Now, his main focus is driving the evolution of
the Contactless Companion Platform (CCP) in order to make
any contactless service accessible from any device. Sébastien
has an Engineer’s degree in Computer Science.
13
Dr. Steve PurserSteve started work in 1985 in the area
of software development, subsequently
progressing to project management and
consultancy roles. From 1993 to 2008, he occupied the role
of Chief Information Security Officer for a number of financial
institutions. He joined ENISA in December 2008 and is cur-
rently responsible for all operational activities of the Agency.
Steve is currently a member of several Steering Boards and
Advisory Committees, including notably the Steering Board of
the CERT EU and the Programme Board of the EU Cyber Crime
Centre. In the area of standards, he is the ENISA representative
on the ISO SC 27 working group. As Head of Core Operations,
he regularly represents ENISA in international conferences on
information security.
Steve RamsaySteve is an independent consultant
specialising in smart and account
based ticketing. Steve made the jump
from Telecoms to transit in 2008, joining Transport for London
and helping introduce new functionality into the Oyster sys-
tem, including its expansion onto National Rail services.
Steve became the Product Manager for the Future Ticketing
Project (FTP), which delivered an account based back office
and associated services that enabled the acceptance of contact-
less payment cards on the Oyster estate. Involved from incep-
tion to launch, Steve was responsible for the team developing
the technical and functional requirements of the system. Since
becoming an consultant, Steve has provided technical consul-
tancy to the DFT and ATOC, and helped develop the Implemen-
tation Guidelines for the UKCA contactless framework.
Björn ScharfenBjörn has more than 18 years of expe-
rience in the electronic components
industry and is currently holding the
position of Marketing Director, heading the Product Marketing
& Management of the Business Line Secure Mobile & Transac-
tion at Infineon Technologies. He assumes worldwide respon-
sibility for security controllers used in Mobile Communication,
Payment and Transport & Ticketing applications. Prior to this
role he worked for over 10 years in various positions within
the Marketing team of the Security & Chip Card ICs divi-
sion mainly for Payment and Communication. Before joining
Infineon in 2000, he started his professional career in 1997
with the Ceramic Components Division at Epcos AG as Product
Marketing Engineer for automotive, industrial and consumer
applications.
Phil SealyAs part of ABI Research’s Digital Security
research practice, Senior Analyst Phil’s
research focuses on the primary markets
for smart cards and secure ICs, reporting on new and emerging
sectors, products groups and technologies.
The Digital Security Practice focuses on end-to-end security
research, from the silicon all the way up to cyber-based
applications, analysing technology trends as well as industry-
specific implementation.
Ian ShaylerIan joined The UK Cards Association in
Card Payments Policy in August 2006
and works on a wide variety of policy
areas. He facilitated discussion between the cards and tran-
sit industry to develop a contactless transaction acceptance
model for Transport for London’s recent launch of contact-
less. This was followed by a three year programme to bring
together the customer / cardholder experiences that met the
needs of both industries.
Ian worked for NatWest and then The RBS Group for seven-
teen years in Small Businesses, the Retail Bank and New Product
Development and what is now WorldPay for the last four years.
Frank SmithFrank chairs e-MOBIDIG, the EU work-
ing group on mobile solutions for law
enforcement (police, borders, etc.) –
a sub-group of the European Network of Law Enforcement
Technology Services (ENLETS). Frank has represented the UK
14
in European and other international forums including the EU
committee on chip security standards for passports, and the
Management Board of eu-LISA, the European agency for
large IT systems in justice and home affairs. He worked for
37 years in the UK Home Office covering technical and policy
work, new legislation and business change. He has been Pri-
vate Secretary to the Immigration Minister, and has worked
operationally for Border Force in the reserve team of manag-
ers able to undertake front-line border duties.
Peter SokolovskiPeter is CEO of Udobniy Marshrut LLC,
a Russian transportation company. His
focus on IT within the transportation
sector began with the Moscow Underground project in 1999;
his company participated in the development of the Moscow
Social Card and issued more than 6 million contactless bank
cards with a transport application. In 2006 Peter led the
launch of their first full scale transportation project in Russia:
an Automated Fare Collection System called “Getfare”. It is
now used in 45 cities across Russia, covering all types of public
transport – subway, buses, trolleybuses and trams.
Peter is a graduate of the Moscow Institute of Electronic
machinery and worked as an IT manager in the Russian smart
card manufacturer “Rosan Finance” until 1999.
Daphne StopforthDaphne has been the Chilled Solutions
Manager at Lucozade Ribena Suntory
(LRS) since the business was formed
at the start of 2014; before which she did the same role at
GlaxoSmithKline (GSK) for 2 years. Prior to GSK, Daphne spent
over 20 years at Nestlé in various Sales, Trade Marketing and
Project Management roles including 6 years involvement with
confectionery vending. In her current role, Daphne is respon-
sible for the profitable management of LRS’s estate of chillers
and vending machines; and the development of the solutions
offered to LRS’s customers in order to meet their needs and
those of their consumers. Daphne introduced cashless pay-
ment to the vending estate in 2013 in response to consumer
insight and payment trends, and to drive sales growth.
Jörg SuchyJörg is Associate Director Strategic
Business Development Chip Card, NFC
and Bio-Processor for Europe, Middle
East and Africa (EMEA) with Samsung Semiconductor Europe.
He represents the Samsung Smart Card and NFC Controller
domain throughout the entire market value chain, presents
Samsung’s Vision and Market Trends as a speaker at key indus-
try events and has contributed in the development of several
white papers.
Before joining Samsung in 2002, Jörg started his career in
1994 at the Semiconductor Production of Philips RHW in Ham-
burg. In 1997, he joined NEC Electronics (Germany) GmbH in
Düsseldorf. In 1993, Jörg graduated in electrical engineering
from the Hamburg University of Applied Sciences in Germany.
Jonathan VauxJonathan was appointed Executive
Director, Innovation Partnerships by
Visa Europe in 2014 to ensure Visa
remains the preferred payment method as digital technologies
evolve to change the way consumers buy and pay for goods
and services. Jonathan is focused on extending the Visa
acceptance promise into new digital environments – whether
it’s online or in-store, through a mobile or a tablet, in-app or
through a digital wallet – and developing flexible ways for
partners to integrate Visa services into their commerce and
banking platforms.
Jonathan has held a number of roles since 1998 including
Commercial Director of V.me, Head of Processing, Head of
Alternative Payments, Head of Commercial Solutions and Vice
President, Commercial Solutions for Visa International.
Michel VenetMichel is currently Digital Identity
Director at GIE SESAM-Vitale which
manages the billing process of the French
private ambulatory care sector. He is an executive level man-
ager of international companies developing high-technology
products. Michel has co-founded Wiz4com, an independent
mobile phone design house, and created its Chinese subsidiary.
15
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16
Before Wiz4com, Michel was the Vice President of Product
Development at Cellon EMEA, the leader at that time of the
independent mobile phone design houses. He started his
career as project manager of command and control systems
both for the civilian and the military sector.
Michel holds a Master of Science in Electrical Engineering
from the Illinois Institute of Technology and an Engineering
Graduate from Ecole Centrale de Paris.
Steve WakelandSteve has worked in technology risk
management and information security
at various industrial and financial
services organisations for over 30 years.
He joined ITSO Limited in 2011 as Governance Manager to
lead compliance through the implementation of policies and
procedures across the ITSO membership. Steve became Gen-
eral Manager of ITSO Limited in January 2015.
Steve WarneSteve Warne is the Director of Solutions
Marketing, Government ID Solutions
with HID Global, where he is responsible
for the product and solution strategy related to the
development of the company’s global government ID business.
Steve has more than 14 years of experience in the government
identity market encompassing various sales and technical
development roles at HID Global / Aontec Teo (Aontec Teo was
acquired by HID Global in 2007) and Payne Security.
Richard WarrenRichard WarrenRichard has recently
joined Miura systems, the world’s
leading Mobile and Tablet POS hard-
ware provider, where he heads up product management. Prior
to this he was Managing Director at research and marketing
agency FirstPartner. In this role he led strategy, product devel-
opment and marketing projects for a range of clients including
Vodafone, Visa Europe, Oracle, Microsoft, TomTom and Sky.
He has significant experience researching and developing
payments, mobile marketing and commerce propositions on
behalf of payment processors, service providers, vendors and
mobile network operators.
Paul WeaverPaul has worked at Cancer Research
UK for 3 years; firstly in the Innovation
Team before moving to the Digital
Team to explore innovations in technology and ensure CRUK
are utilising new tech / trends to maximise fundraising. During
this time he’s helped launch numerous campaigns including
BBQ for CRUK and World Cancer Day, as well as delivering
digital projects like the sectors’ first virtual reality laboratory
tour. He’s passionate about new technologies and the way
they can improve people’s lives, and believes contactless pay-
ments are integral to the future of fundraising.
Edan YagoEdan is the CEO of Epiphyte. Previously
he was a Senior Product Manager at
Zynga, the world’s largest gaming
company specialising in virtual currency. Managed large teams
developing innovative technologies securely handling pay-
ments for millions of customer. Inventor of multiple patents
and previously co-founder of Memetic Markets, which devel-
oped cutting edge financial exchanges.
Samee ZafarSamee is a director in the London of-
fice of Edgar, Dunn and Company, a
global management consulting firm.
Samee has advised clients in North America, Europe, and Asia
Pacific. He focuses on advanced payments consulting advis-
ing banks, mobile operators, and payment service providers
on internet and mobile commerce / payments. His expertise
includes competitive strategy, operations improvement, finan-
cial management, and risk management. He has also advised
clients on several M & A transactions within the financial ser-
vices sector. Previously he worked at PricewaterhouseCoopers
and Visa in New York and London. He has written widely on
emerging trends in financial services, technologies, and related
areas and also writes a regular blog.
17
Shaping the Future of Payments
Operating out of London’s Tech City, Tel Aviv and Berlin, we explore the new technologies that will shape the future of payments. We offer banks and financial institutions the insight, support and connections to harness their potential, co-creating unique projects alongside an international community of start-up and innovators – working together to shape the new payments landscape.
18
Did you know that the word “contact-
less” was one of the Collins Dictionary’s
words of the year last year? Along with
“manspreading”, “binge-watching” and
“ghosting”, this so-called “new” form
of payment was finally recognised as a
trend. Launched in 2007 to give con-
sumers a quick and convenient way to
pay for low-value items, contactless had
truly humble beginnings in cor-
ner stores and coffee shops.
Fast forward nearly a dec-
ade and Visa Europe reports
there are more than three mil-
lion contactless terminals servic-
ing over 152 million contactless
cards throughout the continent.
And consumers have embraced
contactless with enthusiasm.
Last July, Visa Europe processed
more than 1.1 billion contactless
transactions in the 12 months. Today,
it’s processing that amount every six
months, with the growth continuing in
a sharp upward momentum.
But, while contactless cards currently
have the starring role in this trend, con-
tactless technology is central to the fu-
ture of payments, as well. This is why
Visa Europe has made investment in con-
tactless a priority for the organization –
because innovation doesn’t stand still.
To support the evolution of payments,
Visa has mandated that, by the end
of 2019, all POS terminals will be able
to accept contactless forms of pay-
ment and access for every consumer
to some form of contactless, be it card,
mobile payment service, wearable or a
new piece of tech which has yet to be
unveiled.
Why has Visa placed such an em-
phasis on contactless? Because con-
tactless is rapidly evolving from cards
to other devices as payments become
digitised, with Europeans among the
world’s earliest adopters of these new
technologies. Visa sees a future where
consumers might not even need a plas-
tic card – a future where their account
is digitally available across a plethora of
devices. From the integration of pay-
ment capability into a health tracker so
that someone can stop to buy a water
while they’re on a run to the addition of
a “chip pocket” to a ski jacket sleeve,
simplifying payment for lift tickets to
the design of a range of fashion-
able accessories to wear on the
town, wearables will play a signifi-
cant role in the future of payments
and the contactless infrastructure
will support it.
Last autumn, Visa challenged
five of Central Saint Martins’ young
designers – all either students or
graduates of the MA Industrial De-
sign course – to explore the next
frontier of frictionless commerce,
imagining the form and functionality of
contactless wearable devices by 2020.
The designs had to be geared specifi-
cally towards payments while also chal-
lenging the wearable norms that the
industry has focused on to date.
The project culminated in a presen-
tation of the three co-created design
concepts at the Visa Europe Technology
“In the digital age of ‘overnight success’ stories
such as Facebook, the hard slog is easily overlooked.”
— JAMES DYSON —
by Visa Europe
Contactless:
THE OVERNIGHT SUCCESS STORY 10 YEARS IN THE MAKING.
19
Partner Forum in London and is an ex-
ample of how collaborative innovation
is driving the rapid pace of change in
payments. The finalists were:
“Small Change” is set in the moment
of transition between cash and digi-
tal money, and helps people manage
transactions of smaller denominations
digitally. It aims to facilitate this transi-
tion away from coins by allowing peo-
ple to collect their loose change onto
one wearable device, at the same time
keeping the tangibility that we have
come to expect through thousands of
years of cash usage.
“Budgeteer” is a wearable payment
device placed on the wrist that helps
the user to organise and budget their
expenses at the point of sale, simply by
movement. By making three intuitive
and simple hand gestures, the user can
categorise payments into three catego-
ries (work, me or home), which will be
highlighted in different colours in their
online banking statement.
“Thread” is a fashion-orientated
brooch that bridges the gap between
the online and real-world self through a
Bluetooth-powered augmented reality
app, turning anonymous fashion lovers
into identifiable brand ambassadors.
Spearheading the project, Nick
Mackie, Head of Contactless at Visa
Europe, said: “At Visa, we envisage that
contactless technology will become a
standard feature on many wearable
devices by 2020; in fact, there’s no reason
why the payment function on a wearable
device wouldn’t become as ubiquitous as
the alarm function on a digital watch.”
There is tremendous potential in
the wearable payments space, which
is growing in popularity – especially
among the tech-savvy millennial market.
Wearables take all that’s great about
contactless – the speed, convenience
and simplicity – and make it better still.
The very essence of a wearable is its
physical connection to you at any time,
which by nature eliminates friction and
improves security.
As new products continue to roll
out at a pace that would have seemed
unimaginable when contactless first
launched in 2007, Visa will continue to
partner with companies so that con-
sumers will be able to pay for the items
they want wherever they are and on
whatever device they prefer.
20
We are proud to have an outstanding panel of industry
experts to judge the finalists in all award categories.
This year have decided to combine the categories to a grand
total of just 11 categories; 8 categories are judged by a panel
of industry experts, 1 category is voted for by the industry
and 2 categories are selected by Visa Europe – the winners
being announced at a prestigious evening ceremony organ-
ized in London following the Contactless Intelligence Spring
Conference on evening of the 26th April 2016.
Now in its 10th year, the Contactless & Mobile Awards are
presented to those companies, organizations and retailers who
have done the most to embrace and implement contactless /
NFC technology into their day-to-day operating practices.
These awards represent a real promotional springboard and
give the winners a reputation and credibility for their efforts
within the industry. The competition is open to all imple-
mented contactless applications within the relevant sectors,
regardless of geographic region or size of corporation.
21
Michel BarjanskyMichel is a graduate of Ecole des Hautes
Etudes Commerciales. He joined RATP
(French transport operator) in 1973 hold-
ing a variety of different posts over the years. Since 1992 he has
been associated with the “Projet Telebillettique”, at RATP. That
project, based on the Calypso specification, is now rolled out
under the name of “Navigo”.
In 1998 he joined the SIT department and took responsibility
for the development of services based on contactless tech-
nology; active in research, standardization, final development
and commercial deployment. From 2002 he was head of
the “Business Development” entity, in charge of technology
based new products and services, in the Innovative Customer
Technologies of the Engineering Department. And in 2008
he was the “Innovation” Manager for the whole Engineering
Department.
In October 2010 he retired, but remains associated with
standardization and interoperability bodies for public trans-
port and payment.
John BerryJohn retired from the European Com-
mission-DG MOVE in June 2014 after
completing 24 years on transport policy.
He worked on strategic policy development and for that
gained considerable experience from working closely with key
stakeholders, from EU and Member States’ institutions, po-
litical parties and organisations, business operators and service
providers, international agencies and institutions, standardisa-
tion bodies as well as academia. More recently he has become
a member of the advisory board of ELUPEG, a not for profit
organisation run by volunteers who are ‘evangelists for the
cause of supply chain collaboration’. This explores the freight
transport side of collaboration which compliments passenger
transport facilitation.
Since July 2011 he has worked in the field on ‘Research and
Innovation’ with the brief of developing the Horizon 2020
Wendy Atkins (HEAD JUDGE)
Wendy Atkins is a journalist and com-
mentator in the global business sector.
She is contributing editor with fDi Magazine, The Banker and
This is Africa (all published by the Financial Times) where she
is in frequent contact with leaders in her specialist areas of
emerging markets, technologies and investment.
She has been writing about the smart card, payments and
associated industries for more than 10 years, and is an editor
with Contactless Intelligence, where she is responsible for
turning the latest contactless developments into interesting
and insightful stories. She is also editor of Security Document
World, where she is in constant contact with suppliers and
end-users of government issued security documents. She has
authored White Papers and thought leadership documents
for some of the major players in the smart cards, biometrics,
mobile and financial industries.
Wendy has also been a member of previous judging panels
for the SESAMES Awards at Cartes, Paris, and GSMA global
mobile awards.
Mark AustinMark is Director, Innovation Product
Development & Management and is
responsible for managing Visa Europe’s
contactless product range across Europe. Prior to this position
he was Head of Consumer Credit for Visa Europe.
Mark is an experienced payments professional who joined
Visa in 2006 from Lloyds TSB where he spent three years as
Head of Credit Card Marketing. Prior to joining Lloyds TSB, he
undertook a number of senior roles at Royal Bank of Scotland
Cards. Mark began his career at HSBC, where he worked in
both the retail network and the Credit Card business.
Mark is an associate of the Chartered Institute of Bankers and
is also a member the Financial Services Forum.
JUDGES’ BIOSCONTACTLESS AND MOBILE AWARDS, 26TH APRIL 2016
22
programme for ITS and Logistics and policy development on
smart passenger transport ticketing. He was responsible for
developing the impact assessment for the new Trans-Euro-
pean Transport Network and for freight transport logistics
policy and research. He has been DG TREN / DG MOVE’s
technical expert on road vehicle engineering policy which in-
cluded the vehicle roadworthiness programme, vehicle safe-
ty, biomechanics and environmental issues – he introduced
seat belt and child restraint wearing into EU policy.
Prior to his work in Brussels he was a “Head of Unit” in the
UK’s Department of Transport (Feb. 84 to Sept. 89) and was
responsible for freight transport policy and, as head of the
Chief Engineer’s office developed early energy conservation
policy in road transport and hence gained an early apprecia-
tion of the CO2 / global warming issue.
John holds a BSc Hons. Mechanical Engineering and a BA
Social Sciences from the Open University.
Paul ChamberlainRecognised as the most prolific Con-
venience store visitor worldwide,
Paul seeks best practise as a means
of providing retailers and suppliers a shared experience as
a key part of the Association of Convience Stores member-
ship package. Following a degree in business, Paul worked in
retail and wholesale as well as a number of roles within the
publishing industry.
Hank ChaversMr. Chavers joined GlobalPlatform as
Technical Program Manager in 2014.
He will play a key strategic role in sup-
porting the technical committees, Advisory Council and task
forces, providing assistance with meetings and development
of white papers / requirements, and furthering the associa-
tion’s business development efforts in the United States.
Additionally, Mr. Chavers will support GlobalPlatform’s
Technical and Executive Directors, as well as aiding the de-
velopment of the association’s specifications. He will play an
active role in improving industry knowledge of these specifi-
cations as a GlobalPlatform certified trainer.
Mr. Chavers has over 20 years of experience in the develop-
ment, deployment and convergence of internet and mobile
services. In his previous roles as a near field communication
(NFC) specialist, he has overseen the production of proof-of-
concept demonstrations for NFC enabling wireless technolo-
gies, provided technical management for the first ever imple-
mentation featuring two types of payment cards loaded in
one secure element, crafted the market entry strategy for a
Fortune 50 telecommunications firm to launch a new NFC ser-
vice platform and led the NFC Forum Developer Workgroup and
NFC Global Competition. Mr. Chavers is also the co-author of
‘NFC Reference Guide for Air Travel,’ an IATA and NFC-Forum
joint publication and served as Technical Editor for the book
‘Professional NFC Application Development for Android’.
Kevin FarquharsonKevin is a highly experienced Pro-
gramme Manager and Consultant in
the uses and applications of smart me-
dia. He is particularly knowledgeable about payment applica-
tions, mobile technology, contactless cards, smart ticketing,
resident cards and university card schemes. He has over 25
years wide-ranging experience successfully implementing
and managing multi-million pound IT programmes and pro-
jects. He applies his extensive experience to minimise risks,
save money, reduce leadtimes and ensure delivery of effective
schemes and customer propositions.
Kevin studied Engineering at Trinity Hall, Cambridge where
he gained a Master’s degree. He is a Chartered Engineer and
Member of the IET. He is Chair of the Smart Card Networking
Forum for Local Government and a regular contributor to
ITSO, Transport Card Forum and SCNF events.
Kevin is Managing Director of Smartran which he founded in
2003. He has gained his experience in Government, Transport,
Local Authority, Oil & Gas, Finance, Utility and Technology
sectors. He has helped his clients increase business revenues
and reduce costs by £millions. Prior to Smartran, Kevin was a
consulting manager for Accenture (formerly Andersen Con-
sulting) and originally began his career as a System Engineer
for BT’s Major Accounts team.
23
His recent assignments include Nottingham Trams’ award
winning off tram ticketing project, Norfolk Smart Ticketing
Managed Service, DfT smart ticketing team, introduction of
Glasgow SPT contactless tickets, European MobiWallet pro-
ject and Eco Rewards scheme for green travel choices.
Claire MaslenWith over 20 years’ experience at the
forefront of the telecoms industry,
Claire has developed a thought leader-
ship position on m-commerce and identity, and is a subject
matter expert on NFC. Working with mobile operators, regu-
lators & policy makers, banks, payment networks and Fintech
companies at the GSMA, Claire is passionate about fostering
collaboration to deliver innovative mobile consumer experi-
ences.
Claire was responsible for defining the product and technol-
ogy strategy for NFC within O2, and led Telefonica’s entry into
the market of Near Field Communications. She launched and
managed the successful O2 Wallet NFC trial in London, and
was the creator and advocate of O2’s contactless vision.
At the GSMA, Claire is responsible for market development,
and as such is a regular speaker and contributor at major
industry conferences and events. As a key media spokesperson
for NFC and mobile commerce throughout her career, Claire
regularly collaborates with journalists and analysts in both
trade and consumer PR.
Claire has been recognised in the industry with various awards
including: PC Pro Top Ten Women in Tech 2011, Mobile Maga-
zine Power 50, Mobile Awards Key Influencer 2009. She is
passionate about GSMA’s Connected Women Initiative, and
she created the ‘Women in Technology’ programme at O2.
Claire lobbies regularly with central government leading to
policy and legislation improvement for mobile commerce.
Kristian T. SørensenKristian serves as Head of Market
Development & Strategic Allicances
in Nets, a leading Northern European
payment solutions provider, where he leads the strategy
development related to Nets’ mobile services initiatives
across the Nordic countries. Kristian holds a master’s degree
in Communication and Psychology, but has worked with
online solutions since the early days of the Internet in the
mid-1990s and with online financial services since 2002.
Kristian has participated in Mobey Forum since 2010 and
has been an active contributor to the production of Mobey
Forum’s mobile wallet white papers. He was elected to the
Board and Chairman of the Marketing Work group in 2012.
His work within Mobile Financial services has made him a
frequent speaker and panellist at conferences worldwide.
Samee ZafarSamee is a director in the London of-
fice of Edgar, Dunn and Company, a
global management consulting firm.
Samee has advised clients in North America, Europe, and
Asia Pacific.
He focuses on advanced payments consulting advising banks,
mobile operators, and payment service providers on internet
and mobile commerce / payments. His expertise includes com-
petitive strategy, operations improvement, financial manage-
ment, and risk management. He has also advised clients on
several M & A transactions within the financial services sector.
Previously he worked at PricewaterhouseCoopers and Visa in
New York and London. He has written widely on emerging
trends in financial services, technologies, and related areas and
also writes a regular blog: https://sameeblog.wordpress.com.
24
01 PAYMENT INNOVATION
Awarded for innovative schemes and applications, as well
as technology. This category looks at disruptive approaches
and the smart use of technology in the contactless and mobile
payment space.
02 RETAIL & LOYALTY
The retail industry is the front line for all consumer oriented
technology innovation. Rewarding customers for brand loyalty
is core to the retail industry and there are many innovative
contactless and mobile implementations out there. The judges
are looking for forward thinking, integrated solutions that take
retail and / or loyalty to the next level.
03 TRANSPORT & TICKETING
Awarded for the best use of contactless / NFC technology
within the transportation and ticketing environment. Be it
public transport or tickets for events, this award is aimed at
those companies who have embraced the new contactless /
NFC technology to deliver their specific products to a mass
audience.
04 CONTACTLESS & MOBILE CITY INITIATIVES
Awarded for the most ambitious and widespread initiative
to implement mobile or contactless technology. Applications
can include mobile payment, public transportation, hospitality
and tourist schemes.
05 PAYMENT SECURITY
There is no payment without security. In this category, we are
looking for the most convincing examples of smart security
mechanisms used to secure transactions – from the use of
cryptocurrencies to biometrics.
06 NEXT GENERATION ECOSYSTEM
In this category we are looking at block chain ecosystems and
use cases such as cryptocurrency platforms, supply chain or
identity management. Cutting out ineffective banking inter-
mediaries, these technologies could save billions for consumers
and the financial services industry.
25
07 ID & AUTHENTICATION
Secure Authentication is key when it comes to securing people’s
identity. Contactless and mobile technology adds the conveni-
ence to ID applications, facilitating the use of government and /
or private sector issued schemes. Awarded to the most prolific
secure ID system out there.
08 MOBILE WALLET
Awarded for the smartest, most consumer-friendly and easy-
to-use mobile wallet implementation. Judges will be looking
at security, privacy and stability as well as convenience.
INDUSTRY CHOICE AWARD
This award was introduced in 2013 and proved so popular
that a real battle ensued between the top 3 contenders. The
8 category finalists are automatically entered and the online
voting is open to the whole industry. What will happen in
2016?
VISA CONTACTLESS AWARDS
As a Platinum Sponsor of the Contactless & Mobile Awards,
Visa Europe has created two special awards under the name
of the Visa Contactless Awards. These awards are:
> VISA AWARD FOR CONTRIBUTION
TO CONTACTLESS
> VISA CONTACTLESS BUSINESS LEADER
OF THE YEAR
These special awards are presented during the Contactless &
Mobile Awards Gala dinner and the winners are selected by
a panel of judges at Visa Europe.
25
CATEGORY OVERVIEW
26
01 PAYMENT INNOVATION
BANK PEKAOMULTI-CURRENCY DEBIT CARD (POLAND)
Bank Pekao SA has been in operation for 85 years and is
one of the largest financial institutions in Central and East-
ern Europe. The bank has launched a card that can be used
for multiple accounts in different currencies. The multi-cur-
rency debit card (FCY) is an innovative solution for cashless
transactions in Poland and abroad. The bank has developed
a debit card for its customers that can be used both for a
current account in Poland and for accounts in foreign cur-
rencies – USD, EUR, GBP, CHF. The innovative part of this
card is the transaction settlement system. The card works in
a similar way to mobile “roaming” when abroad. Depend-
ing on the country in which the client makes a payment,
the bank settles the transaction in the currency in which the
specific payment has been made. The card owner doesn’t
even have to remember to switch the card between different
accounts and the bank automatically knows which account
should take the appropriate amount.
SMARTLINKCONTACTLESS COMPANION PLATFORM
(SWITZERLAND)
CCP is a new approach for contactless services based on open
standards, addressing any financial institution and any service
provider, to propose a real user-focused experience for both
payment and services. Contactless transactional abilities using
a wearable is about more than just payment at the Point of
Sale: it’s also the ability to transfer money to a keyfob, having
a transport ticket on a passive wristband, or having a payment
card available from any companion device. This is now feasible
using a unique single platform that extends payment and ser-
vices to new form factors, to address more users in more situ-
ations. It is based on the Smartlink Wallet Server, Samsung’s
new NFC chipset and an open standard called “CIPURSE”,
with the objective of updating everyday objects with payment /
service capabilities. It supports payment such as closed / open
loop, and peer-to-peer transfers (i.e. from one user’s smart-
phone digital wallet to another user’s keyfob). It also supports
any contactless value-added service such as loyalty, transport
ticketing, etc. The open standard approach enables customi-
zation of solutions for any service provider, in order to answer
the market’s needs with a real user-focused product.
BEIJING MOBILE PAYMENT SOLUTIONSMOBILE PAYMENT MODULE (CHINA)
The MPS Mobile Payment Module with integrated payment
chip and NFC functions, allows smart wearables to be payment
ready in a single step. The MPS Mobile Payment Module family is
a combination of integrated electronic design, micro-antenna,
and smart card technology and provides NFC technology in
standard system-in-package modules, with the smallest having
dimensions of only 4mm x 4mm, it is the smallest secure NFC
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payment system of the world. The smart card like function with a
built-in security controller allows both NFC payment and online
payment processes to be added securely and easily for smart
wearable devices. Due to the complete system integration
with the smart card interface and NFC antenna, the modules can
work as a standalone function, only needing the power supply
from the device, or as plug-and-play, integrated in any system.
Thus it is an ideal solution for smart phones, smart watches, key
fobs, bracelets, fitness trackers etc. Many wearable developers
want to include payment functions into their devices, but do not
have the know-how to develop security products or the space in
the design for a full size payment card – this is where the MPS
mobile payment module bridges the gap to make a wearable
more useful by adding contactless intelligence with security.
PAYKEYSOCIAL NETWORK PAYMENT ENABLEMENT (ISRAEL)
PayKey’s first of its kind secured payment keyboard makes
everyday banking easier and more efficient than ever before.
PayKey’s technology puts banks where their customers are –
on social networks (Facebook Messenger, WhatsApp, WeChat
Twitter etc.). Users enjoy instantaneous money transfer capa-
bilities while chatting with their friends and family members.
As consumers become increasingly comfortable conducting
transactions on emerging channels, it is imperative for banks to
offer services that cater to the changing tastes. PayKey’s tech-
nology is the first to bridge this gap between banking (bank
users) and social interactions (social networks). With PayKey,
customers enjoy the security of the trusted banks within their
favourite applications, making everyday banking easier and more
efficient than ever before. PayKey benefit banks in 3 ways: (1)
Position the bank as innovation leader in the market (2) Consti-
tute the strategic driver for market growth and retention of
millennials (3) Increase revenue and EBIT. PayKey technology’s
main differentiators are: (1) Social network agnostic (2) White
label – branded for the bank (3) API level integration – very low
risk (4) Using the bank payment system (no changes to the
current security practices) (5) USPTO patent has been filed for
the technology.
02RETAIL & LOYALTY
VIX TECHNOLOGYVIX SMARTSITE® STADIUM (AUSTRALIA)
With the Vix SmartSite® system, the Melbourne Storm Rugby
League Club at AAMI Park stadium in Melbourne, is an example
of a disruptive retail and loyalty innovation based on contact-
less smart card technology. This new innovation resulted in
Australia’s first ‘smart stadium’ with an integrated loyalty and
fan engagement solution for Melbourne Storm members. In
addition to the logistical conveniences of a retail contactless
payment system, Storm members also enjoy the benefits of
being integrated with the club’s very own Lightning Rewards
program. Members earn loyalty points each time they attend a
game, use their card to make in-stadium purchases, or share
Storm content on their integrated social media accounts. Fans
can redeem their points for money-can’t-buy experiences, in-
cluding taking part in an official team photo, sitting on field for
a game, or even travelling with the team. The Vix SmartSite®
stadium technology has been embedded in all Melbourne
Storm 2015 season membership cards and is supported by
contactless reader hardware deployed across AAMI Park for
the 2015 season, to support integrated payment, access, loy-
alty rewards and patron analytics technology. In the future, it
will allow sporting clubs and stadiums harnessing mobile and
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contactless technology like Bluetooth iBeacons, NFC and EMV
to further improve patrons’ match-day experiences.
RED ANT / HALFORDSSMARTWATCH-ENABLED CLICK-AND-COLLECT
SERVICE (UK)
Developed as a wearable-enabled click-and-collect service for
Halfords (the UK’s largest cycle / car maintenance retailer), Red
Ant’s solution has reduced paperwork, improved service and
increased loyalty. Currently, over 90 % of Halfords online or-
ders are click-and-collect and the store has a reputation for
giving its customers the best possible, most innovative shop-
ping experiences, and wanted to trial the latest technology for
a better click and collect service in its Leamington Spa branch.
Red Ant developed a fully connected click-and-collect service,
based on tablets, phones, fixed displays and smartwatches to
provide a variety of functions: Staff are automatically notified of
incoming customers and their orders on the screens and watch-
es; Staff can use their phone or smartwatch to generate a pick
list, allowing them to put new orders together while they walk
around the store; Customers check in on a touchscreen kiosk
at the front of the store and confirm their order, are shown
any relevant upsell products and are told where to go to
collect their order and Customers can also use the kiosk to
ask for help, which pages a staff member on their phone or
smartwatch.
ADVANCED CARD SYSTEMS LTD.EPLUS (HONG KONG)
Advanced Card Systems Ltd. (ACS) is Asia Pacific’s top supplier
and in the world’s top 3 suppliers of PC-linked smart card read-
ers. ePLUS is a payment system developed for the Philippines,
that revolutionizes the retail payment habits of the public, en-
abling a shift from cash to electronic payment. The innovation
aims to bring the all-in-one card concept to life by enabling
cashless payment acceptance for malls, partner merchants,
transport facilities, major fastfood chain and convenience
store outlets, and other amenities nationwide. ePLUS is ideally
positioned to educate Filipinos on the benefits of smart card-
based technologies. It is an important initial effort in modern-
izing the Philippines’s smart card infrastructure, and given the
system’s reach, has unparalleled potential to encourage NFC
adoption. The Philippines is a persistently cash-based society.
In spite of this, however, ePLUS has gained a lot of traction,
taking care of not only the shopping needs of consumers, but
a variety of leisure activities. The system has also been used
in 2015 for ticketing in the Manila leg of Madonna’s world
tour. Since its launch, it has been used as a payment card in
selected transportation systems in Metro Manila. In 2016, it
will further its involvement in the public transportation sector,
as it becomes used in the first ever BRT project in the Philip-
pines. As it can be used for such a wide range of activities,
unsurprisingly, ePLUS has been widely adopted.
INGENICO GROUP / SCHUHISMP SERIES (UK)
Ingenico Group is supporting schuh (footwear retailer) to trans-
form its in-store customer experience through the roll-out of
an innovative mPOS solution, which will ultimately mark the
end of the cash register within its UK stores. Schuh wants all
of its stores in the UK and Ireland to be cash register free to
29
make each customer’s in-store experience richer, more fluid
and personalized. To achieve this, schuh required an mPOS so-
lution which could meet their ambitious plans to transform the
in-store shopping experience. So, schuh approached Ingenico
to develop an innovative payments solution. The partnership
gathered pace just over a year ago, when schuh went live with
Ingenico’s iSMP device – marking the beginning of a journey to
move away from cash desks and offer their customers a mo-
bile payment option. The iSMP works by transforming a smart-
phone or other device into an EMV Chip & PIN secure mobile
payment solution, allowing sales staff to process payments
anywhere in-store. Following the success of the initial roll-out,
Ingenico is now supporting schuh in the very latest mPOS offer-
ing – the iSMPi5 – an evolution of the iSMP series. The iSMPi5
provides additional longevity by addressing the growing num-
ber of mobile operating systems and form factors; connectivity
via Bluetooth removing the need for a hardwire connection;
fulfilment of the latest hardware security requirements in the
market (PCI PTS 3.x); and an integrated 1D and 2D barcode
reader, replacing the need for external readers.
03TRANSPORT & TICKETING
KENTKARTOPEN LOOP NFC PAYMENT (TURKEY)
Kentkart developed and implemented the Open loop NFC
Payment application that enables interoperability between
multiple cities in Turkey. Kentkart’s open loop NFC payment
project started back in January 2015 in the Turkish city of
Manisa and then spread to Kocaeli, Mersin and Niğde. The
System has also been active in Belgrade, Serbia since gDecem-
ber 2015. With this project, Kentkart transferred processes
such as fare calculation, user rights, and ticket management
carried out in the terminals to the host and so initiated the
active application of the account based open loop payment
model in all cities. All passengers with Android based KitKat
4.4 compatible, NFC featured smartphones who install the
free Kentkart Mobile application from the Android Store, can
easily begin using the mobile payment application provided
by Kentkart. Passengers can purchase a virtual card through
a mobile phone and load money online, without being de-
pendent on any one of the GSM operators and then, using it
like any transportation card, can make their payments on all
public transportation vehicles. Kentkart also accomplished in-
tercity ticket integration, providing seasonal tickets alongside
reinforced security measures with an NFC payment system us-
ing HCE (host card emulation) technology. This enables a pas-
senger buying his ticket in Manisa to also take advantage of
public transportation in Kocaeli, Mersin, and Niğde.
MASABIJUSTRIDE (UK)
Masabi has pioneered public transport Mobile Ticketing; from
crafting the UK rail standards for Mobile Ticketing and work-
ing with half of the UK’s Train Operating Companies, to de-
ploying the first US Mobile Ticketing system with MBTA in
Boston before going on to work with Athens, Los Angeles,
New Orleans and is set to launch on New York’s Commuter
Rail and across France later in 2016. Masabi’s JustRide plat-
form is a cloud-based, deployment-proven, end-to-end mo-
bile ticketing and fare collection system. It comprises award-
winning applications for ticket purchase and display, together
with back-end infrastructure for secure payments, ticket man-
30
agement, customer service, reporting and real-time analytics
and a complete validation software suite for use on smart-
phones, gate lines or standalone readers. It has been success-
fully deployed in cities across the world with many more set to
come online throughout 2016.The deployment-proven system
is built with scalability in mind; new customers can be taken
on and deployed within a matter of weeks. Typically, fare col-
lection installations take place over several years, so this rep-
resents a step-change in the ability of transport operators to
innovate and bring greater convenience to customers. Masabi
has also signed strategic partnerships with MasterCard and
Keolis to help accelerate deployments of JustRide.
OBERTHUR TECHNOLOGIES / SMARTLINKMYCITYGO MOBILE APPLICATION
(FRANCE / SWITZERLAND)
The MyCityGo Mobile application provides a multi-modal
(multiple transport network), multi-service (Transit, Loyalty,
Payment) and multi-metropolitan (usable across Transit Au-
thorities in multiple metropolitan areas) solution. The MyCi-
tyGo Mobile is a mobile phone application where the custom-
er subscribes to the transport service, purchases a transport
product with all the means of payment available on the
market and validates his transport ticket at the gate. The My-
CityGo app uses an embedded secure element, paired with
an application running with the open standard CIPURSE. The
transport operator will have the possibility to offer a smart-
card based on CIPURSE to any user not having an NFC mobile
phone. Smartlink is providing the mobile phone application,
the payment platform and an interface with the Public Trans-
port Operator eCommerce platform. Oberthur Technologies is
providing the PEARL to communicate with the handset secure
element, as well as components for the mobile application
to enable the issuance of transit ticketing data to the mobile
phone secure element, and also managing the interfaces with
the Public Transport Operator ticketing system and the hand-
set manufacturer.
PENRILLIANVOYAGER (UK)
Voyager™ is an ITSO-compliant ticketing app created by
Penrillian and enabled by Ecebs Paragon RTD. Voyager allows
public transport operators to offer customers the facility to
buy tickets and instantly top up their ITSO (the national stand-
ard for smart ticketing) smartcard using their mobile’s in-built
Near Field Communication capabilities. Voyager aims to make
travel simpler, quicker and easier; no need to queue at ticket
vending machines or carry old-style paper tickets. The app can
provide seamless and real time transactional capability, com-
bining journey planning, ticket purchase and ticket delivery.
Voyager facilitates ITSO schemes for multiple operators on a
single card and supports multi-modal ticketing – bus, train etc.
This provides the passenger with a simpler more convenient
end-to-end journey.
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04CONTACTLESS & MOBILE CITY INITIATIVES
TEDIPAYMULTIPASS (UK)
TEDIPAY (UK) Ltd, dubbed “the rocket science company”, has
several disruptive innovations in its technology portfolio: “Wild-
card”, an open-API secure platform for wearables; “MultiPass”,
a smart transit ticketing solution based on contactless pay-
ments; and “Magic”, a fully integrated retail platform that uni-
fies payments, loyalty, coupons and receipts into a seamless
single-click user experience. MultiPass enables best-fare smart
transit ticketing using contactless payments, so that transport
operators can benefit from the emerging global macro trend
driven by Apple, Google, Samsung, Visa, MasterCard and
major banks. MultiPass is offered on the unique disruptive “zero
Capex” basis, allowing transport operators to implement smart
ticketing without disrupting their existing operations and
without incurring any capital cost. MultiPass supports both
prepay and post-pay business models. It can be deployed
across the whole network in a matter of weeks. Additional
tangible benefits enabled by MultiPass include flexible fares
and flexible capping, vastly enhanced customer satisfaction,
increased ridership, reduced fraud and overall improvement of
paperless ticketing operations.
ČESKOSLOVENSKÁ OBCHODNÍ BANKAČSOB TICKETING SOLUTION (CZECH REPUBLIC)
Československá obchodní banka (ČSOB) operates as a universal
bank in the Czech Republic, providing its services to retail clients,
small and medium enterprises as well as corporate and institu-
tional clients. ČSOB is the number one provisioner of cashless
payments in public transport in the Czech Republic, gradu-
ally involving more and more carriers to allow passengers to
use various means of transport – even within different cities,
without having to use paper tickets or cards other than pay-
ment cards. The transport solution by ČSOB reflects not only
passenger requirements for comfort and easy application, but
also delivers a number of benefits for the carriers and cities –
minimum cash, simplified transport, and more attractive pub-
lic transport. Public transport plays an essential role in city life;
therefore, our solution might provide the backbone for so-
called smart cities utilizing smart technology to the maximum.
For the purposes of transportation, we have also developed
tokenization to interconnect season stamps with bank cards.
Furthermore, this technology can also be applied to other
fields. We have initiated a project with an important Czech
ice hockey club where the bank card serves as a season ticket;
so fans only have to take their bank card to the game. Our
unique solution is based on a robust acceptance system which
enables virtual tickets to be kept outside the cards. This sig-
nificantly improves security and extends application options.
This year, we intend to pilot this technology in festivals across
the Czech Republic, taking advantage of other opportunities
offered by EMV, NFC and virtualization.
CORK CITY CENTRE FORUMCORK CASHES OUT INITIATIVE (IRELAND)
Cork Cashes Out was a pilot initiative rolled out by Cork City
Centre Forum, supported by the Banking and Payments Fed-
eration Ireland, to make Cork City Ireland’s first cash-free city
and is in line with Cork being a “smart” city. The Cork City
Centre Forum was established by the Cork Chamber in Septem-
ber 2014 and comprises all the major business stakeholders
in Cork City. This includes retailers and business owners from
32
across the city as well as Cork City Council, Cork Chamber
of Commerce, An Garda Siochana and the Cork Business As-
sociation (CBA). As part of its commitment to advance new
innovative opportunities, Cork City Centre Forum launched
the Cork Cashes Out initiative, a pilot scheme, in November
2015. ‘Cork Cashes Out’ was a first of its kind initiative aimed
at encouraging the adoption of cash-free payment options by
consumers and retailers and to position Cork as Ireland’s first
‘cash-free city’. As Ireland’s second largest city with a “smart
city” agenda, Cork was ideal for the roll out of Cork Cashes
Out. To support the initiative an integrated communication
plan was executed to coincide with the initial launch. This
played an important role in raising awareness of the scheme
among businesses and consumers, as well as education for
the wider public about the benefits of using non-cash pay-
ment methods.
TECH MAHINDRAMOBOMONEY (INDIA)
India’s first contactless digital payment eco-system, Mobo-
Money intends to reshape the value chain in the digital pay-
ment ecosystem in India by infusing better user experience,
innovative technology platform solutions with low cost of
deployment. Enabling Digital Payments in a country largely
driven by cash presents a huge socio–economic opportunity
to bring a positive change in the country’s financial system.
MoboMoney is a contactless payment solution developed by
Tech Mahindra, and implements both NFC and a sound based
payment feature. The wallet is issued in the form of an NFC
tag. The option of PIN-less transactions coupled with the sim-
plicity of an NFC enabled Tap-n-Pay experience has helped
consumers and merchants realize the benefits of digital pay-
ments. Sound based payments will enable financial inclusion,
as it requires minimal hardware and works even on feature
phones. Beyond payments at hyperlocal merchant POS, Tech
Mahindra is investing to expand the contactless digital pay-
ment ecosystem, making it the only service provider in the
digital wallet space to build a Digital Payments infrastructure.
With a vision to enable all forms of payment instruments in-
cluding open-loop Bank issued payment cards, this strategy
will narrow the digital divide and leverage socio-economic op-
portunities linked to a ‘cash-less’ ecosystem.
05PAYMENT SECURITY
2C2PONE-TIME-CARD (SINGAPORE)
2C2P’s One-Time-Card (OTC) enables businesses to manage
complex payment transactions with multiple parties through
its virtual card technology. The OTC customer has access to a
dashboard which provides real-time monitoring of the whole
payment process, from issuance of virtual card to card delivery
and charging. The system monitors and manages the various
payment processes with suppliers, agents, service providers
or other business counterparties. This removes the need for
cumbersome and costly wire-transfers. 2C2P built OTC as a
33
unique virtual card that can be pre-loaded to match the exact
required amount. The system issues a card in real-time when-
ever the customer has to pay a supplier, providing an efficient
and secure automated solution for business payments. With
OTC, customers can easily access a complete history of pay-
ments and export them to the company’s accounting systems.
To support their operations, 2C2P runs an AWS architecture
centralized in an Amazon Virtual Private Cloud in the Ama-
zon Asia-Pacific (Singapore) region, with the Amazon United
States West (Oregon) region used for disaster recovery. This
allows 2C2P to control which components of its infrastructure
are exposed to the Internet, adding an extra layer of security
and reduces instances of disruption due to overloading.
SPIRE PAYMENTSINSPIRE MPOS API (UK)
In a relatively short period, Spire Payments has shipped large
quantities of chip and PIN mPOS devices (India, UK, Ger-
many, Poland, France, Belgium, Greece, Finland and more).
Much focus is placed on the design of mPOS hardware,
which is, of course, of paramount importance when it comes
to security. However, it is the speed at which a user-friendly,
feature-rich (yet secure) solution can be brought to market
that is the true differentiator. The key to this capability is
a powerful API (Application Programming Interface), such
as that at the heart of Spire Payments’ mPOS proposition
which is the focus of this award entry. The ability for a third
party developer to write a payment application is essential.
The issue is that most operating systems provide open access
to restricted drivers and operating system functions. This in
turn could; create security holes, negatively affect the port-
ability of an application and put the application in the scope
of the device (PCI-PTS) security evaluation, adding costs and
delays on the development and update cycle. The inSpire
mPOS API overcomes all of these issues, since any misuse
(deliberate or not) by a developer does not affect security /
stability / integrity or reveal sensitive information or functions
to the application.
HYPR CORP. HYPR BIOMETRIC TOKENIZATION (USA)
HYPR decentralizes the storage of biometric data to enable
secure authentication across mobile, desktop and IoT systems.
HYPR biometric tokenization secures payments by making
military grade security available to desktop and mobile ap-
plication providers, while offering end users a pristine UX
across these platforms. Enterprises integrate HYPR into exist-
ing architectures to provide a password -less experience for
employees and customers. As a fully interoperable solution,
users may choose from a variety of biometric authentication
methods, by leveraging existing fingerprint sensors, cameras
and microphones on mobile devices. HYPR is readily available
as a cross platform SDK for BYOD deployment, or as a tamper -
-proof security token for mission- critical settings. The HYPR
biometric security platform eliminates passwords, guarantee-
ing a pristine UX that is far more secure than a username /
password scheme, or the same scheme aided by a second
factor (2FA). HYPR Secure application users have no need to
create, remember, securely store, or reset passwords because
there aren’t any passwords in use.
KEYPASCOKEYPASCO PKI SIGN (SWEDEN)
The Keypasco PKI Sign offers Internet Content Providers full
support of PKI (Public Key Infrastructure) in a portable mobile
device. Keypasco has invented, and patented, a new innova-
tive way of using a user’s mobile device as a secure soft car-
rier of private keys. An end user’s private key is divided into
two parts: a client part, and a server part. The client part is
34
encrypted with a secret (PIN) and stored on the mobile de-
vice. The complete private key can only be recreated to sign a
transaction when the correct mobile device and location has
identified itself, and the right PIN is used to retrieve the client
part of the private key. The feature does not require a Trusted
Platform or a Secure Element. Traditionally PKI systems have
been various forms of hardware, and dependent on the end
user as the carrier of the sensitive private key. Keypasco’s PKI
Sign solution is a versatile and customizable soft PKI option
offered to the market of authentication. The PKI Sign is a part
of the unique Keypasco solution, which is designed to be easy
for mass enrolment over different mobile platforms.
06NEXT GENERATION ECOSYSTEM
EPIPHYTECHAIN REACTOR (USA)
Epiphyte provides a blockchain powered SaaS service that
delivers instant settlement and DVP (delivery versus pay-
ment) for financial trades. Their system is being used by
some of the world’s largest financial institutions for FX, com-
modity, private equity trades and others. Epiphyte’s Chain
Reactor takes care of security, AML and transaction rout-
ing over the blockchain. These services are provided over a
powerful set of APIs, providing a single integration point to
build products utilizing open distributed ledgers. Epiphyte’s
first use-case is remittance payments where their solution
has several benefits: real-time transactions, 85 % cost reduc-
tion, the ability to link between banks and non banks (glob-
al coverage), built-in ability to support AML, auditing and
fraud prevention. International bank transactions are riddled
with complexity, cost and risk. The problem is particularly
acute with high volume, low value transactions. Epiphyte has
demonstrated its ability to solve this problem utilizing open
blockchain networks. Unlike competitors, Epiphyte does not
need to build out their own network – utilizing existing net-
works, they provide banks unprecedented flexibility, tracking
and automation of payments.
LEDGERLEDGER BLUE (FRANCE)
Ledger designs trusted hardware solutions for decentralized
applications such as Bitcoin and Blockchain. In the payment
industry, the smartcard is the golden standard for security.
However, it is not adapted to the needs of the Internet, where
general purpose computers are vulnerable to malware. If you
cannot trust your computer’s display, you need a second fac-
tor validation of all the transactions you are signing (otherwise
a malware could switch the payment address before reaching
the smartcard). Ledger’s latest product – the Ledger Blue – di-
rectly addresses this concern by adding a touch screen to the
traditional smartcard. The user can validate all transactions on
a trusted interface, mitigating all phishing and malware at-
tacks. Featuring BLE / NFC / USB communications, the Blue can
35
be interfaced to any modern computer or smartphone. The
Blue has direct application for Bitcoin / Blockchain projects.
The predecessor of the Blue, the Ledger Nano, has been sold
to 10,000 units in more than 100 countries and is considered
by industry experts as the leading solution in the field.
PLUTUS.ITCONTACTLESS PAYMENTS POWERED BY THE
BLOCKCHAIN (UK)
Plutus is a gateway that empowers you to pay with digital
assets such as bitcoin at any existing contactless payment ter-
minal in the world, fueled by a peer-to-peer trading network
called the PlutusDEX, it runs as a smart contract on the im-
mutable Ethereum blockchain. The proposal that Plutus offers
customers is simple – send bitcoins to the address displayed
on the app and they will be converted to a contactless pay-
ments balance on a multi-currency virtual debit card account
that can be used worldwide. This is the most practical way to
pay with digital assets, as the payments process consists only
of holding a mobile device above the merchant’s NFC reader.
As a result, digital currency payments are effectively accepted
by proxy at over 32 million brick & mortar merchants in the
world. This means that consumers don’t have to wait for mer-
chant adoption, they can use Plutus.it instead. The Plutus app
also awards you a rebate on the blockchain for in-store pur-
chases. These are digital tokens called Plutons, they can be
sent to friends or converted into a contactless balance which
can instantly be used towards the next purchase (similar to the
concept of cash back or air miles on a credit card).
YOTI LTD.YOTI DIGITAL IDENTITY SYSTEM (UK)
Yoti is your ID, on your phone. It helps you prove who you
are to companies and individuals, online and in person.
Once the free app is downloaded, it takes minutes to cre-
ate your digital identity: take a selfie, add your mobile num-
ber, scan your photo ID with your phone, and enter a 5
digit PIN. With Yoti, you can securely log into websites us-
ing your face (no password or username needed), instantly
confirm who you’re talking to online (with remote peer
to peer info sharing) and prove your age with your phone
(nightclubs, cinemas etc). Yoti lets businesses quickly confirm
customer identities, and provides the option of replacing user-
names and passwords with a unique, controlled, biometric
login. The biometric login can also be used to control building
access. Both individuals and companies benefit from an audit
trail of all interactions, and a mobile SDK and API is available
for companies. Yoti enables secure authorization, anonymity
and data minimisation, placing the user in control of their de-
tails – who has them, and how much detail they have. The
ecosystem has been built in such a way that even Yoti cannot
see personal user data. Yoti arrives in Summer 2016.
07ID & AUTHENTICATION
BANK PEKAOELECTRONIC STUDENT IDENTITY CARD (POLAND)
Bank Pekao SA is one of the largest financial institutions in Cen-
tral and Eastern Europe and is a part of UniCredit Group, one of
the leading international financial institutions. Bank Pekao S.A.
has developed the Electronic Student Identity Card (ELS), which
combines the functionality of a payment card with an identity
card. Bank Pekao S.A. has developed the solution for universi-
ties – one card for students which has multiple functionality:
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legitimacy (Identification card), library card, contactless pay-
ment card (which can pay in stores and online, and withdraw
cash from ATMs), act as a key access device to a specific group
of spaces and a communication / transport city card. To start
using the payment functionality of the card the student has to
open an account with Bank Pekao S.A. Katolicki Uniwersytet
Lubelski Jana Pawła II (Catholic University of Lublin John Paul II –
KUL) was the first university to implement this solution in Poland.
TATRA BANKANFC OVERVIEW (SLOVAKIA)
Tatra banka was the first bank in Slovakia that offered its clients
a native mobile banking application, the first in the EU with mo-
bile contactless payments for iPhone users and the first and only
bank in Slovakia with ATM withdrawals via smartphone. “NFC
Overview” (Authentication through Payment Card and NFC) is
the functionality of Tatra banka’s mobile banking application for
Android smartphones with NFC, which displays an account bal-
ance and the last 10 transactions. The functionality uses a stand-
ard contactless payment card as an authentication tool for the
mobile banking application. Functionality is initiated by tapping
the client’s payment card to the smartphone. NFC Overview is
the fastest and easiest method for a client to find out the balance
on his / her account – which is the most requested information in
mobile banking. A client with multiple accounts / cards doesn’t
even need to remember which card has been issued to which
account. If a user wants to use the NFC Overview functionality,
he / she needs to install the application Tatra banka to the Android
smartphone and enable NFC functionality. Then he / she is ready
to tap the payment card to the smartphone in order to see the
information about an account balance and the last transactions.
ORANGEMOBILE CONNECT (FRANCE)
Orange is one of the world’s leading telecommunications op-
erators with sales of 39 billion euros in 2014 and 157,000 em-
ployees worldwide as of September 2015. Mobile Connect is
the new standard in digital authentication: simply by matching
the user to their mobile phone, Mobile Connect allows them a
secure and universal solution to log-in to websites and appli-
cations quickly, without the need to remember passwords and
usernames. It’s safe, secure and no personal information is
shared without the user’s permission. It can be accessed using
a basic mobile phone. Mobile Connect is easy to use: click on
the Mobile Connect logo featured on the web or mobile ser-
vice you are using, a message will then pop up on the mobile
phone. Then type your personal code if the service provider
requests extra security. The Mobile Connect personal code is
set by the user and it is not saved by the sites themselves or
by Mobile Connect; it is simply encrypted on your SIM card.
After this you are logged into to your website or application.
Orange is committed to launch the Mobile Connect service
in Spain, France, Morocco, Egypt and Jordan in the first half
2016 and other Orange countries will follow later in the year.
OBERTHUR TECHNOLOGIES / HATTON NATIONS BANKSATHKARA PENSIONER CARD (SRI LANKA)
Oberthur Technologies has launched the “Sathkara” card
with Hatton Nations Bank (HNB) in Sri Lanka, which combines
37
identity and payment into one card for pensioners. One side is
an ID card with the pensioner’s photo and other demographic
details, while the other side is dedicated to payment (Visa
Debit card). The contactless interface is used for access & loy-
alty. The card was launched by HNB in December 2015 and
the bank aims to reach the 500,000 pensioners in the coun-
try. Several benefits and privileges can be obtained through a
pension ID card combined with the debit facility. The photo
identity of the owner on the surface of the card is linked to
a bank account for the pensioners to withdraw money. Since
it is powered by a strong international card association, pen-
sioners can use this card for purchases around the world. The
card provides the convenience of having all their identifica-
tion details / data in a secure internationally accepted enabled
device, which allows the Department of Pensions to electroni-
cally store all data about the pension holder in the card itself
for speedy transactions.
08
MOBILE WALLET
FASTACASHFASTACASH SOCIAL PLATFORM FOR PAYMENTS
(SINGAPORE)
fastacash’s innovative technology platform brings payments
and money transfer capabilities through social media applica-
tions and networks. It enables fastacash’s partners from dif-
ferent industries such as merchants, banks, money transfer
operators, and mobile operators, and their end consumers
to make payments and share any type of value seamlessly
through key social networks and messaging apps, together
with digital content such as audio, images, and video, to make
the transactions a truly social experience. Social networks cov-
ered by fastacash include Facebook Messenger, WhatsApp,
WeChat, Skype. The fastacash social platform for payments
is designed with the end consumer in mind. By tapping into
existing social behaviour, the company ensures that all trans-
actions are secure, and the payments experience is seamless
and socially enriched. fastacash’s technology supports both
peer-to-peer and person-to-merchant payments. fastacash
has now enabled social payments for millions of consumers
in multiple international markets. Its technology has been
implemented by leading banks, mobile wallet operators, and
money transfer operators in India, Singapore, Vietnam, the
UK, and Indonesia.
CASHCLOUDCASHCLOUD MOBILE WALLET (LUXEMBOURG)
Cashcloud is an international provider of a mobile wallet and
payment solution that operates an open, neutral and integrat-
ed platform which is totally independent of banks, mobile net-
work operators, and device manufacturers; it works smoothly
on IOS and Android operating systems. The Cashcloud mobile
wallet application turns your smartphone into a wallet and
spans all of the key functions needed for shopping, payments,
sending money between friends, collecting bonus points, re-
ceiving coupons and social messaging – both online and of-
fline. The offer is rounded out with a prepaid MasterCard®
and an NFC sticker based on a partnership with MasterCard®,
making cashless and contactless payments even easier than
before. Another innovative highlight within the app is cash-
cloud’s own virtual currency “cashcredits”. While being part
of the cashcloud scheme, the user is able to collect cashcredits
via Social Media and campaign interactions and swap them for
real money. The option “deals and offers” is providing coupons
and vouchers directly to the user’s smartphone. Furthermore
38
parents can open a supervised sub-account for their children
allowing them to know exactly what their children spend their
pocket money on. With Cashcloud users are able to settle
their payments in a simple and mobile way.
POINTSPOINTS LOYALTY WALLET (CANADA)
The Points Loyalty Wallet enables consumers to seamlessly
and securely manage all their digital loyalty programs in one
place; it complements and accelerates the use of mobile wallet
technology by working alongside existing mobile wallets and
loyalty programs, offering a quick-to-market solution which
allows members to track loyalty balances, exchange loyalty
currency from one program to another, and take advantage
of highly personalized geo-targeted merchant offers on-
the-go. For mobile wallets and loyalty programs, the Points
Loyalty Wallet provides a new and quick-to-market solution
for engaging with new and existing members, while driving
incremental revenue from loyalty transactions. Points powers
the loyalty section for their distribution partners – distribu-
tion partners vary from mobile travel apps and sites, to mobile
wallets that use the Points Loyalty Wallet functionality within
their own apps – to include balance tracking and currency ex-
change amongst participating loyalty programs. The platform
will evolve to include redemption, merchant funded offers
and the Buy, Gift and Transfer options. Buy, gift and transfer
allows loyalty program members to reach reward goals faster,
by purchasing and sharing points / miles via their program’s
website.
VUB BANKAVUB WAVE2PAY (SLOVAKIA)
VUB BANKA is the second biggest bank in Slovakia and a part
of Intesa Sanpaolo Group. Their product, Wave2Pay, is a mo-
bile application using HCE technology for mobile payments
and with additional functionalities offers customers an alter-
native to their physical wallet and brings comfort and safety
to the payment process by using their phone for payments.
This solution merges an application for mobile payments on
Android (enabling contactless mobile payments at POS) and /
or a contactless sticker (Android, iOS, Windows Phone). The
application allows users to see both transaction history and
balance enquiry, as well as geolocation of payments. The con-
tactless sticker additionally allows temporary deactivation to
ensure higher safety. VUB BANKA is the first and only bank in
the Slovak market with NFC HCE mobile payments (competi-
tors’ mobile payments are based on a SIM centric solution).
The VUB Wave2Pay is a standalone application (not a part of
their mobile banking offering). The Wave2Pay application only
for stickers was launched back in 2013 and is available for
Android, Windows and iOS phones. In 2014, after less than 1
year of development, VUB upgraded the application for mo-
bile payments using HCE. VUB Wave2Pay is ready for future
development in all fields of innovative mobile wallets.